Card Review: Swiggy HDFC Card🍭.

The Swiggy HDFC Bank Credit Card is a co-branded credit card that offers a number of benefits for users who frequently order food or shop online -

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The Swiggy HDFC Bank Credit Card offers a range of benefits:

1. 10% cashback on Swiggy - Food ordering, Instamart, Dineout, and Genie.

2. 5% cashback on online shopping on various stores.

3. 1% cashback on all other spends, online and offline.

4. Complimentary Swiggy One membership for 3 months.

5. World Tier Mastercard benefits.

6. Zero card loss liability.

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Here are the pros and cons of the Swiggy HDFC Credit Card: Pros:

1. 10% cashback on Swiggy spends.

2. 5% cashback on other online spends.

3. Free 3-month Swiggy One membership.

4. Premium golf club access worldwide with Mastercard network.

5. Up to 12% instant discount on worldwide hotels on Agoda.

Cons:

1. No cashback on Fuel, Rent, Jewellery, Govt. spends, EMI & Wallet.

2. No fuel surcharge waiver.

3. Swiggy Money earned as cashback will expire in 1 year from date of earning.

4. Capping on cashbacks limit.

5. Cashback will be deposited as Swiggy Money and can be used only on Swiggy.

The Swiggy HDFC Bank Credit Card has the following charges and fees:

1. Joining and Renewal Fee: Rs. 500 plus taxes.

2. Interest Rate: 3.6% per month or 43.2% per annum.

3. Cash Advance Fee: 2.5% of the amount or Rs. 500, whichever is higher.

4. Forex Markup Fee: 3.5% of the transaction amount.

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Please note that the card does not offer a fuel surcharge waiver or complimentary airport lounge access. The cashback will be redeemable only on the Swiggy Application as Swiggy Money. Please note that if you spend Rs. 2,00,000 or more in a year, before your Credit Card renewal date, you can get your renewal fee waived off. For more details, you can visit the official HDFC Bank website. Please ensure to read all terms and conditions before applying for the card.